1. Quad-weekly U/P with multiple payment timing irregularities.
2. Appendix J, b(4)(i) always applies. Looking at that whole section, you get at least 5 possibilities for the length of the unit period. The correct choice always depends on the actual dates on which payments are contracted.
The only way Appendix J, b(4)(i)(b) can come into play is when there are no common periods. In a "First Monday" loan, the U/P is almost always 4 weeks (5 weeks is possible for loans with a first-payment period of 35 days and fewer than 6 payments.)
Since the U/P is a multiple of weeks, the whole/fractional U/P timing for each payment in the loan is calculated as follows:
1. determine how many days from the date of consummation to the date of the payment in question.
2. divide that number by 28 (for quad-weekly loans) or 35 (in the unlikely case where the U/P is 5 weeks).
3. truncate the fractional part of the resulting number to get the number of whole U/Ps for this payment.
4. any remaining days represent the fraction of a U/P.
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...gone fishing.